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    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
    • I've worked out the contractor invoiced apx 250k - Without adding vat to the invoices.  So based on above he should have added vat to all invoices once he reached 85k?  Obviously he had to pay his labourers - would those payments get taken off what he received?  Or it doesn't matter cos he invoiced for the high sum?
    • Greetings, I'm writing to seek assistance with an ongoing issue I'm having with Manchester Council.  I parked my car in a residential area behind Wilmslow Road to go purchase some food, not realizing it was a no-parking zone. I later received a letter stating I had failed to make the required payment, and the penalty had increased. I appealed the fine, explaining that I had parked there but never received the original Penalty Charge Notice (PCN), so I was unaware of the need to pay. However, the council's reply did not address my initial concern. Is there anything I can do in this situation? I admit to parking there, and I was willing to pay the original fine, but I don't think it's fair for them to demand a doubled amount when they failed to send me the initial PCN.  Any advice or guidance you can provide would be greatly appreciated. Thank you in advance for your assistance.   MK Document.pdf
    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I am not blaming anybody, but the simple truth is in the capitalist ideology, supply and demand.

 

There is an oversupply of labour so employers would get staff anyway, so net gain is zero.

 

I do however object to people pontificating and trying to justify a useless exercise in wasting tax payers money.

 

If a bank teller came on here justifying futures, swaps, derivatives in a wall of text disguised as doing me a favour, then yes I would give them a reality check.

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Bakatcha, I have to ask.

 

Why do you refer to your fellow forum members as stock? I get the reference to livestock but how is it helpful? How does someone already feeling brow beaten enough to come online and seek help to see that one of their peers refers to them as stock feel?

Well I cannot claim to have invented the use of the word "stock" to describe the WP victim. I get the word from Lord Freud - one of the architects and a key proponent of the WP. My use of the term is intentionally ironic as it is an accurate reflection of how those running WP businesses look upon those "consigned" to them. "Consigned" is another WP word which is very revealing about the attitudes - a new batch or intake of victims comes with a consignment notice and, of course payment in the form of the attachment fees.

Actually "stock" describes very accurately the role of the WP victim. We are not a party to the contract which is between the DWP and the provider. We have no say in whether we participate. We have no choice of provider. We are the stuff of which profit is to be made. I think "stock" is a far more accurate description than "customer" or "client" - don't you?

As for brow beating. I am speechless (almost). That a WP adviser, albeit an ex one, should imply that I browbeat readers is Kafkaesque! If you want to see "browbeating" I suggest you accompany me to the offices of A4greed where routine haranguing of the unfortunate stock seems to be regarded as an acceptable management technique.

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Well I cannot claim to have invented the use of the word "stock" to describe the WP victim. I get the word from Lord Freud - one of the architects and a key proponent of the WP. My use of the term is intentionally ironic as it is an accurate reflection of how those running WP businesses look upon those "consigned" to them. "Consigned" is another WP word which is very revealing about the attitudes - a new batch or intake of victims comes with a consignment notice and, of course payment in the form of the attachment fees.

Actually "stock" describes very accurately the role of the WP victim. We are not a party to the contract which is between the DWP and the provider. We have no say in whether we participate. We have no choice of provider. We are the stuff of which profit is to be made. I think "stock" is a far more accurate description than "customer" or "client" - don't you?

As for brow beating. I am speechless (almost). That a WP adviser, albeit an ex one, should imply that I browbeat readers is Kafkaesque! If you want to see "browbeating" I suggest you accompany me to the offices of A4greed where routine haranguing of the unfortunate stock seems to be regarded as an acceptable management technique.

I think that the term "Stock" more accurately describes the status of plebs who, for whatever reason, decide to seek employment within the Welfare To Work Sector rather than Third Sector, Public Sector or Wealth Creating Sector of the economy. Or perhaps they do make some attempt, but find that they are not sufficiently qualified, and otherwise accept a job within the Welfare To Work Sector (either Primes or Subcontractors) rather than re-educate themselves to get a more robust and sustainable job.

 

The pay for the Clerks may be decent - I have seen salary ranges of £19K-£25K within adverts - and the rationale for offering such a high salary for mediocre work is the same as offering high pay for working in a lap dancing club - the pimps need to attract a high volume of applicants simply to deal with the churn rate. If they could get a job in a Call Centre, or as attendants within a Public Convenience, they would do so.

 

Of course, from the candidates perspective, whereas they have a relationship with the DWP/JCP through the Job Seekers Agreement, which only remains active insofar as the candidate remains unemployed, a more accurate term to describe the relationship between candidate and Welfare To Work Sector is that of "Conscript" - the term Customer or Client does not apply as previously stated.

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the work programme, was set up by this govt for the simple distribution of wealth, remove payments from the poorest in society and give to the richest. the fallacy being fed to the general public is that in essence the british working man/woman is 'lazy, feckless, and scroungers' and without the 'stick' of the w2w programme the 'plebs' will continue to sit idly by on their backsides whilst watching their 50 inch plasma, playing on their xbox and posting on facebook...by the way all useful multitasking activities!!... anyone with an ounce of intelligence is quite capable of job hunting on their own backs, without the intervention of these so called providers, who from the govts own figures which they have carefully tried to keep from publishing, is that the industry is itself failing...with less than 3% of 'clients' being found sustainable employment, yet people who are 'forced' to attend this farce find that they are being sanctioned, that is having any monetary support withdrawn because they failed to attend an appointment or stood up for their rights. whilst i applaud the way you have gone about 'helping' people into employment, can you honestly say hand on heart, that these people you helped couldnt/or wouldnt get a job but for you? the only 'barriers' to work, is simply one thing, lack of jobs and opportunities, in the meantime this govt will continue to pour millions into the pocket of a few, whilst demonizing the poorer in society. personally i have a job, i work hard, and to be honest, if i had to pay more tax to help the poorer in this country then that is a price i am prepared to pay, because you never know one day you may have to walk in their shoes, life has a funny way of biting back

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Responding to Bullpoofilter's post:

 

Which takes me on to the next point. There's clearly a feeling that Work Programme providers only chase what are termed as low-grade jobs. Well, here's the uncomfortable bit - what might constitute a 'low grade' role for you may be out of the reach of someone else. Equally, what might be an ideal job for you might be so far out of touch for someone else that they'd never consider it.

So where does a provider focus? On the roles that are going to have the most impact for the most people

 

The new proposals under Universal Credit will mean that even those in NMW jobs will have to demonstrate that they are forever seeking better paid employment or longer hours to qualify for any HB/CT credits, the way things are shaping up even the 'low grade' jobs will not be a viable proposition, what will the WP do then?

The obligatory better off calculation will start to look very sick indeed, faced with ruin on the minimum wage zero hour route or staying on benefits, my money's on claimants desperately clinging on to the benefit system just to survive.

 

When moving into work from JSA there are several helping hands available, albeit they're not spectacular but rent run-ons, back to work credit etc can be dependant upon a continous claim in excess of 6 months. Now, if you've had a break in your claim in the last 6 months then it makes no diffence - a break being another job / failing to sign / sanctions

 

Soon to be phased out, yet another helping hand back into work being removed by this caring sharing government.

Edited by osdset

 

Corruptissima re publica plurimae leges

 

Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

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I have a question, bullpoofilter, with regards to sanctions. What guidance are advisers given on referring people for sanctions? Are there mandatory things that must be referred? Are there any targets to hit? - so for instance, if an adviser wasn't referring anyone for sanctions, would they get pulled aside for a 'chat'. How much of it is at the individual adviser's discretion?

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We hang the petty thieves and appoint the great ones to public office ~ Aesop

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I have a question, bullpoofilter, with regards to sanctions. What guidance are advisers given on referring people for sanctions? Are there mandatory things that must be referred? Are there any targets to hit? - so for instance, if an adviser wasn't referring anyone for sanctions, would they get pulled aside for a 'chat'. How much of it is at the individual adviser's discretion?

 

 

As of late September we were issued guidance that every missed appointment or failure to complete a mandatory action should be submitted to the decision makers. This was explained to us as something that had been highlighted during audit by the DWP as not being up for negotiation and a contractual obligation.

 

The truth in my experience was a little different. Bearing in mind that the advisors role is to 'raise a doubt' and present the facts to the decision makers at the DWP. The feeling in my office was that as the paperwork involved in doing it was so time consuming and in reality it did little to help anyone that we would spend our time working with people who were engaging with us. No manager I met would express any concern over someone concentrating on someone likely to have a positive result rather than spending 20 minutes printing out details of missed appointments and attendance records.

 

After all, there's no financial incentives to sanction someone but there are if someone else gets into a job.

 

So, were there targets for raising doubts? No. The targets in the role were related to the number of jobs started and the sustainability of those at 3 and 6 months.

 

Like I said no one ever got the 'chat' for not doing them. The most common types of sanctions we saw were related to failure to sign / failure to apply for a matched vacancy and insufficient job search activities recorded on the diary presented at sign on or failure to comply with all of the agreed tasks on the job seekers agreement.

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As of late September we were issued guidance that every missed appointment or failure to complete a mandatory action should be submitted to the decision makers. This was explained to us as something that had been highlighted during audit by the DWP as not being up for negotiation and a contractual obligation.

 

The truth in my experience was a little different. Bearing in mind that the advisors role is to 'raise a doubt' and present the facts to the decision makers at the DWP. The feeling in my office was that as the paperwork involved in doing it was so time consuming and in reality it did little to help anyone that we would spend our time working with people who were engaging with us. No manager I met would express any concern over someone concentrating on someone likely to have a positive result rather than spending 20 minutes printing out details of missed appointments and attendance records.

 

After all, there's no financial incentives to sanction someone but there are if someone else gets into a job.

 

So, were there targets for raising doubts? No. The targets in the role were related to the number of jobs started and the sustainability of those at 3 and 6 months.

 

Like I said no one ever got the 'chat' for not doing them. The most common types of sanctions we saw were related to failure to sign / failure to apply for a matched vacancy and insufficient job search activities recorded on the diary presented at sign on or failure to comply with all of the agreed tasks on the job seekers agreement.

 

Thanks for replying. With matched vacancies and jobseeking actvities, were these also automatically referred, or was there discretion? So if someone explained they didn't apply for a vacancy for a good reason, would this still be referred or could discretion be used by advisers?

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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as i said, no amount of money could tempt me into doing a job where i was responsible for denying anyone their right to benefits....so someone doesnt apply for a job? so what? it isn't exactly the crime of the century...now bankrupting the country and then paying out huge bonuses to the clowns that actually did it..now that is a crime...but hey we are all in this together...just some of us are more in 'it' than others...

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Hi, these were not ones that we had any part in and were often brought to our attention by people who had been sanctioned by the DWP / JCP directly.

 

Like I said it was very rare indeed that we would raise doubts. Discretion played a huge part as did the realisation that once the working relationship would be so damaged by a sanction that it was rarely used.

 

I'd often explain the importance of meeting the criteria laid down by jcp on the JSAg. If you're given a matched job to apply for then for heavens sake, apply for it. If you don't meet the criteria then you won't get through the initial paper sift. Then explain that to your jcp advisor so that you can work together to identify the criteria that meets your needs best.

 

So often I'd hear from people who wouldn't apply and then get into a heated discussion in the job centre, end up leaving in a hurry and then finding they're about to be sanctioned.

 

I know someone is going to ask so I'll make it clear now. During my time there I raised a doubt on three occasions. Discretion has a limit.

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Picture the scene at a local WP office, I say to my latest WP advisor, one of many....

 

"I can write a C.V and search for jobs online, look in papers, visit local employers, write spec letters, heck I can even do the rubiks cube" :)

 

after the advisor has a cursory look through my C.V, checks my spec and job application's.....

 

I ask (insert drum roll here) "How exactly can you help me?"

 

It's a question I asked an awful lot and found it very useful especially when I was met with a blank look. The thought of spending my time to no avail just doesn't seem right and so I'd ask what the person sat next to me wanted from the meeting and would not accept 'I dunno' as an answer. Starting the conversation was at least a beginning.

 

what follows, everyone has experienced (the usual mind numbing drivel)

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Picture the scene at a local WP office, I say to my latest WP advisor, one of many....

 

"I can write a C.V and search for jobs online, look in papers, visit local employers, write spec letters, heck I can even do the rubiks cube" :)

 

after the advisor has a cursory look through my C.V, checks my spec and job application's.....

 

I ask (insert drum roll here) "How exactly can you help me?"

 

 

 

what follows, everyone has experienced (the usual mind numbing drivel)

 

they are meant to talk to you and try to manipulate you into looking at other paths

they are meant to ask probing questions and try to persuade you that you can do something or other

it feels very manipulative

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they are meant to talk to you and try to manipulate you into looking at other paths

they are meant to ask probing questions and try to persuade you that you can do something or other

it feels very manipulative

 

They id this with me. I said retail. To me, that's working in a shop, scanning items for customers, etc. They wanted me to apply for a sales type job. I've been for two interviews for sales job. Both said in the nicest way possible, this job isn't for me.

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Neuro-linguistic programming ?

 

and of course....NLP!!! more utter tripe and nonsense

 

I did a day's NLP 'training' once - I completely agree with the above...lol

Edited by stikky62
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